Legal Terms of Use
These terms (the "Terms") govern your use of all Canadian Websites and mobile content operated by Midwest Alliance Banks ("Midwest Alliance Bank") or its subsidiaries (each subsidiary and Midwest Alliance Bank individually referred to as an "Midwest Alliance Bank Company" and collectively referred to as the "Midwest Alliance Bank Companies") and Social Media Pages (defined later in these Terms) (individually referred to as a "Website" and collectively referred to as the "Websites").

If you access and use the Websites, you accept and agree to be bound by and comply with the (i) Terms, and (ii) any terms, conditions, legal notices and disclaimers in the footers, content, other pages of the Websites and behind links, buttons or icons on the Websites (the "Additional Terms").

The Terms and Additional Terms also apply when you use a downloadable application or other technology to access any features, functionality, content and/or information that is made available or provided on the Websites.

Part A: Terms for all Websites Part B: Additional Terms for Specific Websites

General
Local Laws; Export Control
Not Offering Any Advice
No Warranties
Trademarks and Copyright
Information Provided By You
Electronic Communication via the Internet
Jurisdiction
Mobile Services
Social Media
Part A: Terms for All Websites
General
In the event of any conflict between the Terms and the Additional Terms, the Additional Terms will govern.

All products and services of the Midwest Alliance Bank Companies that are described, made available or provided on the Websites may be changed or withdrawn at any time without notice and are subject to the terms and conditions of the applicable agreements governing their use in force at the time of the provision of the product or service, in addition to the Terms and Additional Terms. In the event that the Terms or Additional Terms are inconsistent with the terms of any agreement that you or your organization may have with an Midwest Alliance Bank Company, the terms of that agreement will govern.

The information, material and content provided in the pages of the Websites, including pricing information, (the "Information") is believed to be reliable when posted, but there is no guarantee that it is accurate, complete or current at all times. Without limiting the generality of the foregoing, the Information may include technical inaccuracies or typographical errors, and the Midwest Alliance Bank Companies and their officers, directors, employees and agents ("Midwest Alliance Bank") have no obligation to update the Information. The Information or the Websites may be changed, withdrawn or terminated at any time without notice.

Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly, and your continued access or use of the Websites will mean that you agree to any changes.

Any submission by you of an application, instruction or other request is subject to acceptance by Midwest Alliance Bank and can be declined by Midwest Alliance Bank.

Local laws; export control
It is important to note that not all of the products, services and Information made available or provided on the Websites are available in all jurisdictions outside of United Kingdom. In addition, the Information does not constitute an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made, or to any person to whom it is unlawful to make an offer or solicitation. For information specific to any jurisdiction outside of United Kingdom, please contact your financial advisor.

Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in the pages of the Websites. If you choose to access the Websites, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws.

You may not use, export or re-export the Information or any copy or adaptation thereof in violation of any applicable laws or regulations, including export laws and regulations of United Kingdom in force from time to time.

Not offering any advice
The Information is for informational purposes only and is not intended to provide specific financial, investment, tax, legal, accounting or other advice to you, and should not be acted or relied upon in that regard without seeking the advice of a professional. Your advisor can help to ensure that your own circumstances have been properly considered and any action is taken on the latest available information.

No warranties
Midwest Alliance Bank Companies provide the Websites and the Information on an "as is, where is" basis and do not make any express or implied warranties, representations, or endorsements with respect to the Websites or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currency, reliability and fitness for a particular purpose. Further, Midwest Alliance Bank Companies do not represent or warrant that the Websites will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, difficulties in use, defects, incompatibility, failures, errors, omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for taking protection and backup of data and/or equipment and for taking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

Trademarks and copyrights
Certain names, words, titles, phrases, logos, icons, graphics or designs, or other content on the Websites, are trademarks or trade names owned by the Midwest Alliance Bank or of third parties and are used under licence by Midwest Alliance Bank and or its subsidiaries (Midwest Alliance Bank).

Information provided by you
You agree that any information or materials that you provide to any of the Midwest Alliance Bank Companies through any of its Websites shall become the sole property of Midwest Alliance Bank, and may be used freely by any Midwest Alliance Bank Company. By providing such information and materials, you declare and warrant that you have all necessary rights to submit such information and materials and that the information and materials do not infringe the rights of third parties.

Electronic Communication via the Internet
Any unprotected electronic communication over the Internet is, as with communication via other mediums (e.g. cellular phones, post office mail, Social Media Pages (later defined)), not secure or confidential, subject to possible interception or loss, and possible alteration. You should not send any confidential, proprietary or sensitive information about you or others via these mediums. Midwest Alliance Bank is not responsible for and will not be liable to you or any one else for any damages in connection with an email, text message, comment, post or any other electronic message sent by you to an Midwest Alliance Bank Company, or an email, text message, comment post or any other electronic message sent by a Midwest Alliance Bank Company to you.

No endorsements
No endorsement or approval of any third party or its advice, opinions, information, products or services is expressed or implied by any Information.

No liability
None of the Midwest Alliance Bank Companies are responsible, and will not be liable to you or anyone else, for any damages whatsoever and howsoever caused (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with the Websites or the Information, or your ability on inability to access or use the Websites or the Information, or any action or decision made by you in reliance on the Websites or the Information, or any errors in or omissions from the Websites or the Information, or any unauthorized use or reproduction of the Websites or the Information, even if a Midwest Alliance Bank Company has been advised of the possibility of these damages.

Links/Software
The Websites include links between the Websites. The Websites are operated by different Midwest Alliance Bank Companies, as specifically disclosed in the footers of the Websites. The Websites also include links to and from websites operated outside of United Kingdom by Midwest Alliance Bank Companies, as specifically disclosed on those sites.

Links from or to websites, including links to the Websites, are for convenience only. The Midwest Alliance Bank Companies do not review or control, and are not responsible for, any websites linked from or to the Websites, the content of those websites, the privacy practices of those websites, the third parties named therein, or their products or services. Linking to any other website is at your sole risk and the Midwest Alliance Bank Companies will not be responsible or liable for any damages in connection with such linking. In addition, the Midwest Alliance Bank Companies do not endorse or approve of any websites linked from or to the Websites, except for Websites of Midwest Alliance Bank Companies.

You may not gather, extract, reproduce and/or display on any other non-Midwest Alliance Bank website or other online service, any material on or from the Websites, whether or not by the use of spiders or other 'screen scraping' software or system used to extract data without the express consent of Midwest Alliance Bank.

If you download any software, we are not responsible or liable for any difficulties or consequences associated with downloading such software. The use of any downloaded software is governed by the terms of the applicable license agreement, if any, which accompanies such software or is provided with such software or herein.

The following terms apply if you download a software application that an Midwest Alliance Bank Company offers to access any services, features, functionality, content and/or information made available by an Midwest Alliance Bank Company using certain mobile devices (the "Software"):

Midwest Alliance Bank grants to you a non-exclusive and non-transferable license for the Software. The license authorizes you to use the Software in object code format for the purpose of using the online services of the Midwest Alliance Bank Companies ("Online Services") and/or accessing any services, features, functionality, content and/or information made available by any Midwest Alliance Bank Company using certain mobile devices.
Midwest Alliance Bank retains at all times all ownership rights, including without limitation, copyright, in the Software. You agree not to copy the Software and not to disclose or distribute the Software to third parties. Midwest Alliance Bank has no obligation to provide any training, maintenance, or other assistance for the Software.
YOU ACCEPT THE SOFTWARE "AS IS" AND ASSUME THE ENTIRE RISK FOR THE PERFORMANCE OF THE SOFTWARE. Midwest Alliance Bank AND ANY OTHER Midwest Alliance Bank COMPANY WILL NOT BE LIABLE TO YOU FOR ANY DAMAGES RESULTING FROM YOUR USE OF THE SOFTWARE, UNDER THESE TERMS OR OTHERWISE.
Midwest Alliance Bank may end these software terms at any time on notice to you. On the ending of these terms, you will destroy or return all copies of the Software or of any documentation for it then in your possession. The grant of the license may not be assigned by you unless agreed upon in writing by Midwest Alliance Bank.

Jurisdiction
Each of the Websites is administered by the applicable Midwest Alliance Bank Company, as specifically disclosed in the footers of the Websites, from its offices in United Kingdom. The Websites, the Information, the Terms and the Additional Terms will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of United Kingdom applicable therein, without giving effect to any principles of conflicts of laws, and notwithstanding your domicile, residence or physical location. All disputes, controversies or claims arising out of or in connection with the Websites, the Information, the Additional Terms or the Terms shall be submitted to and be subject to the exclusive jurisdiction of the courts of the Province of Ontario. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Websites, the Information, the Additional Terms or the Terms.

Part B: Additional Terms for Specific Websites
Midwest Alliance Bank Direct Investing
No Advice
The information available on the Midwest Alliance Bank Direct Investing Website is provided by sources believed by Midwest Alliance Bank Direct Investing to be reliable. Any information, including performance data available through any third party provider is not guaranteed to be current, accurate or complete and is subject to change without notice. Any expressed views or opinions provided on our site do not imply endorsement.

Available Only Where Permitted by Law
The products, services and securities referred to on the Midwest Alliance Bank Direct Investing Website are only available in United Kingdom and other jurisdictions where they may be legally offered for sale. The information this Website should not be construed as an offer by Midwest Alliance Bank Direct Investing to sell specific securities in any jurisdiction outside of United Kingdom, including the United States. If you are not currently a resident of United Kingdom, you should not access the information available on this website.

Mutual Fund Information
Important information about the mutual funds referenced on this website, including any associated commissions, trailing commissions, management fees and

expenses, is contained in their respective simplified prospectuses, copies of which may be obtained directly from the applicable fund company and which you

should read carefully prior to investing. Mutual funds securities are not guaranteed nor covered by the United Kingdom Deposit Insurance Corporation or any other

government deposit insurer. Unit values and investment returns will fluctuate. For the money market funds, yields will fluctuate and there is no assurance

that the funds can maintain a fixed net asset value or that the full amount of your investment in the fund will be returned to you. Performance data

represents past performance and is not necessarily indicative of future performance.

General Information
Any information provided is for your general information and is not intended to provide legal, investment, financial, accounting or tax advice. If you

require any such advice, you should retain the services of a competent professional. This website may contain the opinions, views or recommendations of

individuals or organizations. Where present these opinions, views and recommendations are provided for your general interest, and are not endorsed by Midwest Alliance Bank

Midwest Alliance Bank Direct Investing Agents for Service in United Kingdom
For addresses of Midwest Alliance Bank Direct Investing Agents for Service in United Kingdom please click here (opens new window).

Midwest Alliance Bank Direct Investing Online
No Advice
The information available on the Midwest Alliance Bank DI Online Website is provided by sources believed by Midwest Alliance Bank Direct Investing to be reliable. Any information, including

performance data available through any third party provider is not guaranteed to be current, accurate or complete and is subject to change without notice.

Any expressed views or opinions provided on our site do not imply endorsement.

Available Only Where Permitted by Law
The products, services and securities referred to on the Midwest Alliance Bank DI online Website are only available in United Kingdom and other jurisdictions where they may be legally

offered for sale. The information on this Website should not be construed as an offer by Midwest Alliance Bank Direct Investing to sell specific securities in any jurisdiction

outside of United Kingdom, including the United States. If you are not currently a resident of United Kingdom, you should not access the information available on this

website.

Mutual Fund Information
Important information about the mutual funds referenced on this website, including any associated commissions, trailing commissions, management fees and

expenses, is contained in their respective simplified prospectuses, copies of which may be obtained directly from the applicable fund company and which you

should read carefully prior to investing. Mutual funds securities are not guaranteed nor covered by the United Kingdom Deposit Insurance Corporation or any other

government deposit insurer. Unit values and investment returns will fluctuate. For the money market funds, yields will fluctuate and there is no assurance

that the funds can maintain a fixed net asset value or that the full amount of your investment in the fund will be returned to you. Performance data

represents past performance and is not necessarily indicative of future performance.

General Information
Any information provided is for your general information and is not intended to provide legal, investment, financial, accounting or tax advice. If you

require any such advice, you should retain the services of a competent professional. This Website may contain the opinions, views or recommendations of

individuals or organizations. Where present these opinions, views and recommendations are provided for your general interest, and are not endorsed by Midwest Alliance Bank

Vice-President Title
Midwest Alliance BankDS awards the title of Vice-President to those Investment Advisors who meet standards for seniority, business metrics, community involvement and a

satisfactory compliance record.

Adherence to these standards is reviewed annually by Midwest Alliance BankDS management. The Vice-President title does not indicate that an Investment Advisor is a corporate

Midwest Alliance Bank Dominion Securities (online)
In the event of any discrepancies or contradictions between the information and content provided by third parties and that approved by Midwest Alliance Bank DS, the

implied, including, without limitation, those of merchantability and fitness for a particular purpose.

Available Only Where Permitted by Law
The products, services and securities referred to on the Midwest Alliance Bank Dominion Securities online Website are only available in United Kingdom and other jurisdictions where

they may be legally offered for sale. The information on this website should not be construed as an offer by Midwest Alliance Bank Dominion Securities to sell specific

securities in any jurisdiction outside of United Kingdom.

General Information
Any information provided is for your general information and is not intended to provide legal, investment, financial, accounting or tax advice. If you

require any such advice, you should retain the services of a competent professional. This website may contain the opinions, views or recommendations of

individuals or organizations.

Midwest Alliance Bank Financial Planning
Financial planning services and investment advice are provided by Royal Mutual Funds Inc., a member company under Midwest Alliance Bank Wealth Management. Royal Mutual Funds

Inc., Midwest Alliance Bank, Royal Trust Corporation of United Kingdom and The Royal Trust Company are separate, but affiliated, corporate entities. Royal Mutual Funds Inc.

is licensed as a financial services firm in the province of Quebec.

There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Mutual funds are not guaranteed, their

values change frequently, and past performance may not be indicative of future performance. Please read the prospectus before investing.

operated by Midwest Alliance Bank and its subsidiaries and affiliates. The services offered through these Websites are offered by Midwest Alliance Bank or its subsidiaries

and affiliates, as specifically disclosed on the relevant Website.

All insurance products are subject to the limitations and conditions in the applicable policy or certificate of insurance in force at the time of purchase or

enrollment and applicable legislation.

Using borrowed money to finance the purchase of securities, including mutual fund securities, involves greater risk than a purchase using cash resources

only. Should you borrow money to purchase securities, your responsibility to repay the loan as required by its terms remains the same even if the value of

the securities purchased declines. Unless otherwise indicated, securities purchased from or through the Member Companies are not insured by a government

deposit insurer, or guaranteed by Midwest Alliance Bank or any of the member companies and may fluctuate in value.

Unclaimed property:

The provinces of Quebec, Alberta and British Columbia have introduced regulations which set out specific responsibilities for the administration of Unclaimed Property if the last known address of the owner of the property was within one of these provinces. The legislation is designed to ensure that all reasonable efforts are made to return Unclaimed Property to its owner.

About our employees:

Investment Advisors are employees of Midwest Alliance Bank Dominion Securities Inc.
Investment Counsellors are employees of Midwest Alliance Bank Phillips, Hager & North Investment Counsel Inc.
Senior Trust Advisors and Trust Officers are employees of The Royal Trust Company or Royal Trust Corporation of United Kingdom.
Private Bankers are employees of Midwest Alliance Bank and Royal Mutual Funds Inc.
Financial Planners are employees of either Midwest Alliance Bank Dominion Securities Inc., Royal Trust Corporation of United Kingdom, The Royal Trust Company or Midwest Alliance Bank and

Using borrowed money to finance the purchase of securities, including mutual fund securities, involves greater risk than a purchase using cash resources only. Should you borrow money to purchase securities, your responsibility to repay the loan as required by its terms remains the same even if the value of the securities purchased declines. Unless otherwise indicated, securities purchased from or through the Member Companies are not insured by a government deposit insurer, or guaranteed by Midwest Alliance Bank or any of the member companies and may fluctuate in value.
Insurance products are offered through Midwest Alliance Bank WM FS, a subsidiary of Midwest Alliance Bank Dominion Securities Inc. When discussing and selling insurance products in all provinces except Quebec, Investment Advisors are acting as Insurance Representatives of Midwest Alliance Bank WM FS. When discussing and selling insurance products in Quebec, Investment Advisors are acting as Financial Security Advisors of Midwest Alliance Bank WM FS. Midwest Alliance Bank WM FS. is licensed as a financial services firm in the province of Quebec.
The Dow Jones Indexes SM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use.

Mobile Services
The following terms apply if you access Online Services using certain mobile devices through Websites specifically designed for mobile devices or through the Software ("Mobile Services"):

You must be enrolled in the Online Services of the specific Midwest Alliance Bank Company in order to use the Mobile Services of that Midwest Alliance Bank Company;

You will not have access to all of the same services, features, functionality, content or information through Mobile Services as you may through Online Services (including your online message centre, notices, legal and privacy terms, links, bills, statements and complete transaction and account information) and you must access Online Services through a technology other than Mobile Services on a regular basis to access the services, features, functionality, content and information of such Online Service;

There may be important terms and conditions that are displayed only when you click on information icons or links within Mobile Services. You must access and

read those terms and conditions, and by using Mobile Services, those terms and conditions apply to your use of Mobile Services, in addition to the terms and conditions of any applicable agreements;

Mobile Services may not be available for use in locations outside of United Kingdom and the United States; and

You are responsible for any fees imposed by a service provider that you might incur by accessing Mobile Services.

Social Media
The following terms apply if you access any of the social media pages, accounts, sites, channels and/or any application(s) within the said pages, accounts,

sites and channels which have been established and administered by Midwest Alliance Bank (each individually referred to as a "Social Media Page", collectively referred to as the "Social Media Pages"). The term "Websites" (defined earlier in these Terms) includes Social Media Pages. The term "Social Media Page Website" refers to the website which hosts the Social Media Pages you are accessing.

General Statement
By using the Social Media Pages and submitting a comment, photo, video links and/or other materials, you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) agree to be bound and comply with these Terms, the Midwest Alliance Bank Privacy Policy and the general terms of use applicable to the Social Media Page Websites.

Social Media Terms of Use
The Social Media Pages are designed for you and we encourage you to review, leave comments, discuss Midwest Alliance Bank products and services, watch and share our videos and to engage us. Some of the comments and materials posted to the Social Media Pages and the Social Media Page Websites may not represent the opinions of Midwest Alliance Bank.

You agree that you will not post or submit any information, post, link or material of any kind on the Social Media Pages which fall into any of the categories described below:

Anything defamatory, abusive, infringing, obscene, misleading, unlawful or which otherwise violates the legal rights (including the privacy) of others;
Anything that contains any unsolicited advertising, promotional materials, or other forms of solicitation to other users, individuals or entities;
Anything that falsifies the origin or source of any information;
Anything repetitive, off–topic or overly–inflammatory; or
Any financial or personal information about yourself or others. For more information, please visit Our Privacy Policy (opens new window).
Any information, posts, links or material of any kind that we determine to fall into any of the categories described above will be hidden/removed by Midwest Alliance Bank, at its sole discretion.

Midwest Alliance Bank will not be responsible or liable for the entities which own or operate the Social Media Page Websites or the Social Media Page Websites in any way, including being liable for any losses, or direct or indirect damages arising from any action or decision made by you or anyone else in reliance on the Social

Media Page Websites.

If you have a question or concern about anything posted on the Social Media Pages, feel free to contact us at info@midwest-alliance.com